Merkez Bankas\u0131’n\u0131n ticari kredi faizlerine y\u00f6nelik iki hafta \u00f6nce yapt\u0131\u011f\u0131 d\u00fczenleme sonras\u0131, krediye eri\u015fimin iki kat daha zorla\u015ft\u0131\u011f\u0131 belirtiliyor. Sozcu.com.tr’ye konu\u015fan sanayiciler, kredi faizlerinin bir miktar geriledi\u011fini, ancak bu sefer de bankalar\u0131n kredi vermedi\u011fini anlatt\u0131.<\/b><\/p>\n
\u0130\u015f d\u00fcnyas\u0131n\u0131n son d\u00f6nemdeki en b\u00fcy\u00fck \u015fik\u00e2yetlerinden biri, finansmana eri\u015fememek.<\/p>\n
Ticari kredi faizlerinin ula\u015ft\u0131\u011f\u0131 seviye \u0130stanbul Sanayi Odas\u0131\u2019n\u0131n (\u0130SO) temmuz ay\u0131 meclisinde g\u00fcndem olmu\u015f; meclis toplant\u0131s\u0131na kat\u0131lan Merkez Bankas\u0131 Ba\u015fkan\u0131 \u015eahap Kavc\u0131o\u011flu ile sanayiciler aras\u0131nda tart\u0131\u015fma ya\u015fanm\u0131\u015ft\u0131.<\/p>\n
Birka\u00e7 g\u00fcn sonra yap\u0131lan TOBB Meclisi\u2019ne kat\u0131lan Kavc\u0131o\u011flu\u2019na yine ticari kredi faizlerinin y\u00fcksekli\u011finden \u015fik\u00e2yet edilmi\u015f; Kavc\u0131o\u011flu ise gerekli ad\u0131mlar\u0131n at\u0131laca\u011f\u0131 mesaj\u0131n\u0131 vermi\u015fti.<\/p>\n
\u0130ki hafta \u00f6nce ise Merkez Bankas\u0131, kredi b\u00fcy\u00fcmesine ve ticari kredi faizlerine y\u00f6nelik d\u00fczenlemeye gitti.<\/p>\n
Ge\u00e7en ayki PPK toplant\u0131s\u0131nda 100 puanl\u0131k s\u00fcrpriz faiz indirimine giderek politika faizini y\u00fczde 13\u2019e indiren TCMB, yapt\u0131\u011f\u0131 d\u00fczenleme sonras\u0131 y\u00fczde 50\u2019lere ula\u015ft\u0131\u011f\u0131 i\u00e7in \u015fik\u00e2yet konusu olan ticari kredi faizlerinin y\u00fczde 30\u2019u a\u015fmas\u0131n\u0131 zorla\u015ft\u0131rd\u0131.<\/p>\n
Peki bu hamle sonras\u0131 i\u015f d\u00fcnyas\u0131n\u0131n finansmana eri\u015fim sorununda neler de\u011fi\u015fti?<\/p>\n
\u2018\u0130K\u0130 KAT DAHA ZORLA\u015eTI\u2019<\/b><\/p>\n
Konu\u015ftu\u011fumuz sanayiciler, Merkez\u2019in ticari kredi faizlerine yapt\u0131\u011f\u0131 m\u00fcdahaleden sonra faizlerin bir miktar d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc, ancak bu sefer de bankalar\u0131n kredi kulland\u0131rmaz olduklar\u0131n\u0131 s\u00f6yl\u00fcyor.<\/p>\n
Sozcu.com.tr\u2019ye konu\u015fan OST\u0130M Sanayici ve \u0130\u015f \u0130nsanlar\u0131 Derne\u011fi (OS\u0130AD) Ba\u015fkan\u0131 S\u00fcleyman Ekinci, \u201cMerkez Bankas\u0131\u2019n\u0131n iki hafta \u00f6nceki hamlesinden sonra ticari kredi faizlerinde \u00fcst limit y\u00fczde 30\u2019a d\u00fc\u015ft\u00fc ama bu sefer de bankalar kredi vermekten imtina ediyorlar\u201d dedi.<\/p>\n
Ekinci, \u201c\u00d6zellikle ihracat a\u011f\u0131rl\u0131kl\u0131 \u00e7al\u0131\u015fan firmalar\u0131n krediye eri\u015fimlerindeki s\u0131k\u0131nt\u0131, Merkez\u2019in s\u00f6z konusu ad\u0131m\u0131ndan \u00f6nceki d\u00f6neme g\u00f6re iki kat daha zorla\u015fm\u0131\u015f durumda\u201d diye konu\u015ftu.<\/p>\n
\u2018KOB\u0130 DI\u015eINDAK\u0130LERE KRED\u0130 VER\u0130LM\u0130YOR\u2019<\/b><\/p>\n
Ekinci, uygulama sonras\u0131 ya\u015fananlar\u0131 \u015f\u00f6yle \u00f6zetledi:<\/p>\n
\u201c\u0130ki hafta \u00f6ncesinde faizler daha y\u00fcksekti ama krediyi bir miktar da olsa daha rahat alabiliyorduk. Kamu bankalar\u0131 k\u0131smen de olsa i\u015fi \u00e7\u00f6z\u00fcyor ama \u00f6zel bankalar \u2018fiyatlayam\u0131yoruz\u2019 ya da \u2018genel m\u00fcd\u00fcrl\u00fckten onay bekliyoruz\u2019 diyerek KOB\u0130 d\u0131\u015f\u0131ndakilere kredi vermiyor. Son iki haftad\u0131r durum b\u00f6yle.\u201d<\/p>\n
\u2018KAMU BANKALARI FA\u0130Z\u0130 ARTIRDI\u2019<\/b><\/p>\n
Kocaeli Sanayi Odas\u0131 Ba\u015fkan\u0131 Ayhan Zeytino\u011flu da sozcu.com.tr\u2019ye yapt\u0131\u011f\u0131 de\u011ferlendirmede, finansmana eri\u015fim sorununun s\u00fcrd\u00fc\u011f\u00fcn\u00fc, hatta TCMB\u2019nin son uygulamas\u0131ndan sonra kamu bankalar\u0131nda ticari kredi faizlerinin 2,5-3 puan daha artt\u0131\u011f\u0131n\u0131 belirtti.<\/p>\n
Zeytino\u011flu, \u201cKamunun kulland\u0131rd\u0131\u011f\u0131 kredilerde y\u00fczde 6+1,5 komisyon + referans faizi ile toplamda y\u00fczde 21 gibi bir faiz var. Bu oran, iki hafta \u00f6nce y\u00fczde 18-19\u2019lar seviyesindeydi\u201d dedi.<\/p>\n
\u201cBir banka yetkilisiyle yapt\u0131\u011f\u0131m konu\u015fma sonras\u0131 da herhangi bir gev\u015femenin olmad\u0131\u011f\u0131n\u0131 g\u00f6rd\u00fcm\u201d diyen Zeytino\u011flu, \u201cBir de, mortgage faizleri d\u00fc\u015f\u00fck mesela ama alabilece\u011finiz maksimum para 250 bin TL. Hem devam eden finansman sorunu hem de sanayiye yap\u0131lan son elektrik ve do\u011falgaz zamlar\u0131 olduk\u00e7a zorluyor\u201d diye konu\u015ftu.<\/p>\n
\u2018EX\u0130MBANK KRED\u0130LER\u0130 B\u0130TT\u0130, BANKALARIN EL\u0130NE D\u00dc\u015eT\u00dcK\u2019<\/b><\/p>\n
Sozcu.com.tr’ye konu\u015fan Do\u011fu Karadeniz \u0130hracat\u00e7\u0131lar Birli\u011fi Ba\u015fkan Vekili Ahmet Hamdi G\u00fcrdo\u011fan ise, \u201cEximbank reeskontlar\u0131, uzun vadeli kredileri bitince elimiz kolumuz ba\u011fland\u0131. Bu sefer bankalar\u0131n eline d\u00fc\u015ft\u00fck. Bankalar da her t\u00fcrl\u00fc zorlu\u011fu \u00e7\u0131kar\u0131yorlar\u201d dedi.<\/p>\n
Piyasada en d\u00fc\u015f\u00fck ticari kredi faizinin y\u00fczde 30\u2019lar seviyesinde oldu\u011funu ancak kullanamad\u0131klar\u0131n\u0131 aktaran G\u00fcrdo\u011fan, \u015f\u00f6yle devam etti:<\/p>\n
\u201cBankalar yeni kredi vermeyi b\u0131rak, var olan, \u00f6dedi\u011fimiz kredide bile zorluk \u00e7\u0131karabiliyor. Hi\u00e7bir kolayl\u0131k sa\u011flanm\u0131yor. Eximbank\u2019a borcumuz oldu\u011fu zaman erteleyebiliyoruz. Zaten en b\u00fcy\u00fck g\u00fcvencemiz olan Eximbank\u2019\u0131n kaynaklar\u0131 artsa, bu s\u0131k\u0131nt\u0131lar ortadan kalkar.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"
Merkez Bankas\u0131’n\u0131n ticari kredi faizlerine y\u00f6nelik iki hafta \u00f6nce yapt\u0131\u011f\u0131 d\u00fczenleme sonras\u0131, krediye eri\u015fimin iki kat daha zorla\u015ft\u0131\u011f\u0131 …<\/p>\n","protected":false},"author":1,"featured_media":35760,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[1522,731,972,974,7168],"class_list":["post-35759","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-bankalar","tag-faiz","tag-kredi","tag-sanayi","tag-ticari-kredi"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/35759","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=35759"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/35759\/revisions"}],"predecessor-version":[{"id":35761,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/35759\/revisions\/35761"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/35760"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=35759"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=35759"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=35759"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}